First Community Bank and Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 7.07 percentage points in Q2 2026, from 111.48% to 104.41%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First Community Bank and Trust is 259th of 323 on loan-to-deposit ratio, 55.01% as of Q2 2026, below the middle of the field. First Community Bank and Trust reported 55.01% on loan-to-deposit ratio for Q2 2026, 25.83 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $94.0M |
| Net loans and leases | $92.8M |
| Loans held for sale | $0 |
| Loans to total assets | 46.60% |
| Loan-to-deposit ratio | 55.01% |
| Net loans to equity capital | 3.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.89% |
| Multifamily (5+ residential) | 1.24% |
| Commercial and industrial | 26.13% |
| Consumer | 3.08% |
| Credit cards | 0.00% |
| Farm | 1.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.41% |
| Construction concentration (Tier 1 capital + allowance) | 4.03% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.22% |
| Interest income on loans | $1.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $96.3M | $163.3M | 51.31% | 24.46% | 5.22% |
| Q4 2023 | $103.7M | $170.2M | 51.11% | 26.10% | 4.69% |
| Q1 2024 | $102.2M | $165.8M | 50.47% | 26.75% | 4.49% |
| Q2 2024 | $106.1M | $180.9M | 53.24% | 25.61% | 3.93% |
| Q3 2024 | $100.6M | $175.3M | 51.77% | 27.68% | 3.80% |
| Q4 2024 | $98.7M | $176.1M | 52.02% | 28.15% | 3.46% |
| Q1 2025 | $96.7M | $171.5M | 51.67% | 28.20% | 3.28% |
| Q2 2025 | $98.2M | $167.2M | 53.45% | 23.39% | 4.21% |
| Q3 2025 | $104.3M | $169.7M | 52.25% | 23.32% | 3.68% |
| Q4 2025 | $102.8M | $170.1M | 51.47% | 23.57% | 3.48% |
| Q1 2026 | $101.3M | $170.9M | 49.34% | 24.22% | 3.10% |
| Q2 2026 | $94.0M | $170.8M | 47.89% | 26.13% | 3.08% |
First Community Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank and Trust, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Community Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15913) · FFIEC NIC profile (RSSD 371232)